---
title: Plansmith Blog | Outsource IRR
description: Outsource IRR |
---

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# Plansmith Blog

## [The Silent Cost: How Capacity Deficit Kills Opportunity](https://blog.plansmith.com/the-silent-cost-how-capacity-deficit-kills-opportunity)

 Posted by [Megan Plis & Jenny Kane](https://blog.plansmith.com/author/megan-plis-jenny-kane) on 11/3/25, 11:03 AM

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[![](https://blog.plansmith.com/hubfs/capacity-deficit.png)](https://blog.plansmith.com/the-silent-cost-how-capacity-deficit-kills-opportunity)

Planning for opportunities drives growth; preparing for challenges ensures survival. Despite lingering unknowns like tariffs, governmental tensions, and stubborn inflation, community bankers are entering 2026 with optimism. This positive outlook is supported by the [**ABA Economic Advisory Committee (2025)**](https://bankingjournal.aba.com/2025/09/aba-economic-advisory-committee-continued-slow-economic-growth-this-year-modest-2026-gains/), which expects modest economic gains in 2026, driven primarily by stronger consumer spending.

The question is: how can you leverage new opportunities while preparing for inevitable challenges?

[Read More](https://blog.plansmith.com/the-silent-cost-how-capacity-deficit-kills-opportunity)

## [Surge Deposits: R.I.P. (2018-2019)](https://blog.plansmith.com/surge-deposits-r.i.p.-2018-2019)

 Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 4/8/20, 10:57 AM

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[![](https://blog.plansmith.com/hubfs/computer-768696_1920.jpg)](https://blog.plansmith.com/surge-deposits-r.i.p.-2018-2019)

For the past ten years or so, surge deposits have been a material issue in asset/liability management. At the time of, and following the 2007-2009 Great Recession, the banking industry saw a substantial influx of deposits as real estate and equity investors liquidated positions and sought safe places to store their money and ride out the storm. The impact of this flight to safety was compounded by Government sponsored initiatives such as the Transaction Account Guarantee (TAG) Program and increases in Federal deposit insurance levels.

As a result, banks experienced significant deposit growth, and while these surge deposits would have normally been seen as a good thing, the near evaporation of loan demand left many banks with far more deposit dollars than they could effectively put to use. In turn, market liquidity levels skyrocketed, but margins were compressed. For the purpose of this article, we’ll refer to these funds moving from real estate, equities, or any other investments into the banking system as Type I Surge Deposits.

[Read More](https://blog.plansmith.com/surge-deposits-r.i.p.-2018-2019)

## [The Real Reasons to Outsource Your IRR](https://blog.plansmith.com/real-reasons-to-outsource-your-irr)

 Posted by [Dave Wicklund](https://blog.plansmith.com/author/dave-wicklund) on 10/15/19, 11:01 AM

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[![IRRVideo](https://blog.plansmith.com/hubfs/IRRVideo.png)](https://blog.plansmith.com/real-reasons-to-outsource-your-irr)

As you grow, your organization has more and more things to manage.

- Strategically, you’re working to find the right markets to penetrate with the ideal products and services.
- Financially, you’re making sure your earnings are meeting or exceeding targets.
- And organizationally, you’re looking for the right talent to expand and grow.

One thing you can’t ignore is the role Interest Rate Risk plays in the banking industry today.

[Read More](https://blog.plansmith.com/real-reasons-to-outsource-your-irr)

## [3 Reasons Outsourcing Your IRR is the Smart Choice](https://blog.plansmith.com/3-reasons-outsourcing-your-irr-is-the-smart-choice)

 Posted by [Megan Plis](https://blog.plansmith.com/author/megan-plis) on 1/17/18, 2:55 PM

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[![computer-767776_1280](https://blog.plansmith.com/hubfs/computer-767776_1280.jpg)](https://blog.plansmith.com/3-reasons-outsourcing-your-irr-is-the-smart-choice)

Smart choice - that's a bold statement. But believe me, I wouldn't use those words if it weren't the truth.

[Read More](https://blog.plansmith.com/3-reasons-outsourcing-your-irr-is-the-smart-choice)

## [3 Key Components in Outsource IRR Analysis](https://blog.plansmith.com/outsource-irr)

 Posted by [Tom Parsons](https://blog.plansmith.com/author/tom-parsons) on 10/19/17, 3:24 PM

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[![](https://blog.plansmith.com/hubfs/Blog_Pictures/dollar-exchange-rate-544949_1920.jpg)](https://blog.plansmith.com/outsource-irr)

The October 2017 issue of *ICBA Independent Banker* features Dave Wicklund and his views on selecting a service provider for outsourcing your IRR analysis. You can find the article on page 57.

[Read More](https://blog.plansmith.com/outsource-irr)

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